Defend against identity theft with Instant Alerts. Fraudulent activity on your credit report can complicate your life and take ages to correct. Learn more about how to get better protection with instant email alerts regarding all credit inquiries.

Credit Lock Plus – Equifax and Transunion

Credit Lock Plus is a powerful way to prevent identity thieves from accessing your TransUnion and Equifax credit reports. Learn more about how easy it is to protect your reports with Credit Lock Plus.

TransUnion Credit Score Simulator

Score Simulator shows you ways your current credit score would change based on future actions and events.

TrueIdentity Free Identity Protection

Get powerful identity protection in your hands now with TrueIdentity. It’s backed by TransUnion and completely free!

A credit report is your financial dossier. It is a record of your credit history that lenders use to determine your creditworthiness. Learn more about credit reporting, explore article archives, and educate yourself about this essential component of your financial health.

Credit Score

Educate yourself about what impacts your credit scores. Understand how your credit score plays a crucial role in major life decisions, from auto financing to buying a new home. Click here to explore our article archive.

Identity Theft

Identity theft is a serious crime. Learn more about how to protect your personal information. Find easy tips for preventing identify theft, from locking your credit report to setting up better passwords.

Credit Monitoring

Learn more about the importance of credit monitoring. With credit monitoring you can spot identity theft, correct inaccuracies and receive alerts when changes are made to your report. Keep yourself informed. Read more about how credit monitoring can contribute to your financial health.

Debt and Money Management

Develop the management skills to create and maintain your financial health. Read more about simple ways you can take control of your finances. Useful tips for making a budget, reducing your debt and building a brighter financial future.

Credit Bureaus

You have three different credit reports, one for each of the three credit bureaus—TransUnion, Experian and Equifax. Information varies from bureau to bureau, so it’s important to monitor all three of your reports. Click here to learn more.

Annual Credit Report

You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.

Mortgage

Whether you’re a first-time homebuyer, second-mortgage seeker or refinancer, financing a home may be the most important investment you make. Learn more about one of the biggest financial decisions of your life.

Credit Cards

Learn more about the different types of credit cards and how they can help you establish better credit for the future. Read more about how credit cards affect your credit rating. With our Featured Offers, find the card that best fits your lifestyle.

Frequently Asked Credit Questions

Staying on top of your finances requires educating yourself on various credit situations.
Get the answers to commonly asked questions about managing your credit.

If you need quick assistance with a task relating to your credit report, you are in the right place. This is your hub where you can place a credit freeze, dispute, fraud alert or request your credit report. Click to find out more and check out our most frequently asked credit questions.

Get Your Free Annual Credit Report

You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.

Disputes

Learn how to dispute inaccurate and fraudulent information on your credit report. TransUnion offers the easiest and fastest way to resolve any and all inaccuracies on your record. Click here to file your dispute now.

Credit Freeze

If you are concerned about becoming a victim of fraud or identity theft, a Credit Freeze might be right for you. Learn more about placing a freeze on your credit report to prevent lenders from accessing your TransUnion credit report entirely, which will prevent them from extending credit.

Credit Disclosures

Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies per year. Click here to see if you qualify for additional free or reduced fare credit reports.

Fraud Alerts

If you suspect you have been the victim of fraud, TransUnion makes it easy to send alerts to your creditors and the other credit bureaus. Click here to learn more about protecting yourself by sending out alerts now.

Fraud Victims Resources

We know how hard it is to be the victim of fraud. TransUnion makes it easier for you to handle the situation by placing fraud alerts and providing a list of institutions you will need to contact to clear your name, as well as other important resources. Click here to learn more.

Do you know that there are three credit reporting agencies?

What is a credit reporting agency?Credit reporting agencies (also known as credit bureaus or consumer reporting agencies) that collect information relevant to your credit and financial history. There are three credit agencies: TransUnion, Equifax, and Experian. When you apply for a loan, request an increase on your credit limit or even apply for a new job, your credit report will likely come into play. The three credit agencies collect and house the information that helps potential lenders or employers rate your reliability.

Why are there three credit reporting agencies?

Credit reporting has existed for over a century, and in the early days most communities had a local credit agency. When lenders needed a credit report, they contacted the closest credit agency. Over time, as credit reporting became automated, the local credit agencies were consolidated into the three major regional companies. TransUnion serviced the Central U.S., Experian the West, and Equifax managed the South and East. Today, each of the credit agencies has a national presence.

What are the differences between the credit agencies?Each of the credit agencies offers slightly different services. For example, TransUnion is the only credit agency that offers Identity Lock, a service that helps you protect yourself against identity theft. Also, not all venders report to all three credit agencies. This means that the information on your credit report can vary from agency to agency, resulting in different scores.

What is VantageScore?VantageScore is a system for calculating credit scores that uses letter grades instead of numbers. This makes it easier for consumers to understand their scores. In an effort to more adequately represent the modern economy, VantgeScore made significant changes to how information is gathered and weighted. For example, your payment history is now measured in terms of the last two years. It used be only the last six months. This is a big change, especially if you haven’t been financially active in the recent past. Financial lulls due to retirement or temporary unemployment won’t hurt you the way they did in the old days.